How Commercial Insurance Can Mitigate Risks for Businesses

Many Americans dream of owning a small business. While starting a business can be a rewarding experience, both personally and financially, essentially all business owners must take on risks. Often, this means investing their own money, and if something should go wrong, they could lose that wealth. Fortunately, commercial insurance can mitigate some risks. Contact the San Marcos Insurance Group if you’d like to discuss commercial insurance for your enterprise and live in or near the greater Chandler, AZ area.

How Commercial Insurance Can Mitigate Risks

To own a business, you’ll typically have to invest in equipment, work or office space, supplies, employees, and more. Many entrepreneurs will fund the initial investments out of their own pocket. This may mean taking out a personal loan or even a second mortgage. Even if a specific business owner doesn’t have to invest much, their livelihood, including their own monthly income, could be on the line.

If a business doesn’t have insurance and is damaged in a severe weather event, such as a tornado or hurricane, the owners may be on the hook for all the damages to the building, equipment, and more. However, some weather damages may be covered with the right commercial insurance plan.

Likewise, an entrepreneur could suddenly face serious legal complications and court dates if employees or guests are hurt on the job. If a business owner has the right insurance policy, the costs, and liabilities may be covered.

Ultimately, commercial insurance can reduce risks, especially financial risks, during many different situations. Of course, details are crucial, and examining each plan is important to see what is and is not covered.

Want to learn more about commercial insurance policies and how the right policies could mitigate risks specifically for your business? Contact the San Marcos Insurance Group, serving Chandler, AZ, and beyond.

Insurance for the Modern Homeowner: Embracing Technology and Innovation

As modern homeowner looks for ways to protect their home and their valuable possessions, they are increasingly turning to technology to take proactive measures. We at San Marcos Insurance Group, serving the Chandler, AZ area, recognize the importance of embracing these technological advances in home insurance—allowing homeowners to have greater peace of mind in knowing their homes and possessions are safe.

How Technology is Changing Home Insurance

From innovative home systems to connected appliances, modern homeowners have access to a plethora of technology that can help ensure their home is safe and secure. These technological advances have revolutionized how we approach home insurance—allowing homeowners to take more proactive measures that can help mitigate losses from theft, fire, and other disasters. For example, some homeowners are installing smart doorbells equipped with cameras that allow them to see remotely who is at their front door, which can help reduce the likelihood of a break-in.

How This Impacts Coverage

The increased use of technology in homes directly impacts home insurance coverage. For example, many insurers offer discounts for homeowners who have taken steps to protect their homes with security systems, including cameras, motion sensors, and alarms. 

The Bottom Line

At San Marcos Insurance Group, we understand the importance of embracing technology in the modern home. Our experienced agents are here to help you assess your home’s needs and find the coverage that suits your situation. By taking advantage of current technological advances, homeowners can ensure that their homes and possessions are protected—giving them peace of mind knowing their investments are safe. Contact us today for more information on how we can help you protect your Chandler, AZ home.

Does Comprehensive Auto Insurance Cover Hurricane Damage or Loss?

If you own a vehicle, you’re required to have auto insurance coverage. However, there is also other coverage you may need or consider. You can count on the experts at San Marcos Insurance Group to provide the residents of Chandler, AZ, with policy options that meet their needs.

Auto Insurance Coverage

Auto insurance coverage offers you a blanket of protection against risks. If you would like to secure the right level of coverage for your specific situation, our insurance agents can help. We carefully assess your requirements and match you with the coverage you need. If you live in a storm-prone area, you’ll want to ensure you have comprehensive insurance no matter what. If there is damage to your car, this coverage will protect you.

Some other policy options include collisions, towing, hospitalization, and more. Find out which meets your needs and benefit you most by consulting with one of our agents. They can work closely with you to ensure you understand which options are available and if they work best for your situation. We believe in providing complete customer service before, during, and after securing the policy. 

Reach Out Today

Don’t wait for the auto insurance protection you need to avoid losses related to events such as hurricanes. Call or stop by the San Marcos Insurance Group office today to find out which policies are correct and offer the most protection. We are committed to educating our customers so they understand the fine print and terms and conditions for each policy. It’s a part of our commitment to excellent service for the residents of the Chandler, AZ area. 

Top Three Ways To Build Up Your Immune System

Everyone is looking for ways to save on medical expenses. One of the best ways to do this is to take the proper steps to keep yourself healthy. At San Marcos Insurance Group, serving Chandler, AZ, and the surrounding areas, we are here to help our clients make intelligent insurance and health choices. Keep reading to learn about three ways to build up your immune system. 

Get Your Vitamins

Most adults today are vitamin deficient in some way. This is mainly due to the fact that most people do not eat a healthy, well-balanced diet. Although getting the vitamins, you need from your food is possible, taking a vitamin supplement is a good idea since most people do not get the right foods in their diet daily. It is also a good idea to get a blood panel done annually to see if you have any significant vitamin deficiencies that you need to work on.

Exercise

Staying active keeps your body’s systems in the best working order. This includes your immune system. To get the most immune-boosting benefits, try to find activities that you can do outside. This gives you the added immune-boosting benefits of fresh air and sunshine. 

Try Probiotics 

Gut health can have a significant effect on your immune system. Without the right bacteria in the right amounts, your immune system will struggle to perform properly. Daily probiotics can help regulate your gut health, increase the growth of good bacteria and ultimately improve your immune system. 

If you want to learn about health insurance services, please get in touch with us at San Marcos Insurance Group serving Chandler, AZ, and the surrounding areas. We will be happy to help you today. 

My husband and I have multiple businesses. Can we share one commercial insurance policy?

If you and your husband have multiple businesses in Chandler, AZ, you may wonder if sharing one commercial insurance policy is possible. The answer is yes! It’s possible to have a single policy that covers multiple businesses. San Marcos Insurance Group explains the benefits of sharing a single policy.

How Sharing a Commercial Insurance Policy Works

When two or more companies apply for the same type of coverage, underwriters will generally combine them into one policy. This makes sense since it eliminates the need for separate policies and can help reduce costs by taking advantage of volume discounts. However, certain factors must be considered before combining multiple businesses into one policy. For instance, the businesses must all be owned by the same people, be located in the same state, and present similar risks regarding coverage needed.

Benefits of Combining Policies

Combining your business-related insurance policies into a single package allows you to enjoy several advantages, including cost savings due to volume discounts and simplified paperwork. Additionally, having a single policy can ensure that all your business-related liabilities are adequately covered because everything is listed in one document. This can eliminate any gaps in coverage, which could put your business at risk in case of an accident or injury. You also won’t have to worry about overlapping coverage since everything will be included in one comprehensive package tailored to your needs.

If you and your husband own multiple businesses in the Chandler, AZ area, combining them into a single commercial insurance policy may make sense. Contact San Marcos Insurance Group today to learn more about combining policies for multiple businesses!

Tips to prepare your house for a storm

As the weather gets more and more unpredictable here in the Chandler, AZ area, it’s essential to be prepared for any storm. Here are some tips from us at San Marcos Insurance Group to help you prepare your house for a storm: 

  1. Secure loose items outside your home. Secure any patio furniture, grills, or other items that could become flying projectiles in high winds. 
  2. Clean your gutters. Clogged gutters can cause water to back into your home when it rains heavily, so make sure they’re clear before a storm. 
  3. Trim trees and shrubbery near your house. Limbs and branches can break off during a storm and damage windows, so ensure they are trimmed away from the home before a storm hits. 
  4. Prepare an emergency kit with essential items such as flashlights, batteries, non-perishable food, water bottles, and first aid supplies in case of a power outage or other emergency situation during or after the storm. 
  5. Ensure all your devices are charged and stock up on batteries. You will need them in case the power goes out. A battery-powered radio can keep you connected and informed about critical updates during the storm.

By following these simple tips, you’ll be well on your way to having your home ready for whatever Mother Nature throws at it! If you have any questions about how to prepare your house for a storm or want to explore new options for homeowners insurance, or any other type of insurance product on the market, call us at San Marcos Insurance Group today. We proudly serve the Chandler, AZ area.

Three Mistakes to Avoid When Buying Auto Insurance

Determining which car insurance to carry is arguably one of the most critical decisions a Chandler, AZ resident will make regarding their life as a driver. That said, it’s just as important to know what to avoid when weighing your options as it is to know what to do.

At San Marcos Insurance Group, we can help you avoid common pitfalls like the following.

1. Ignoring the Importance of Credit History

A person’s credit history hasn’t always mattered when buying car insurance in Arizona. But that changed in the late ‘90s when insurance companies began considering credit when setting rates. That said, managing your credit wisely is one of the best things you can do to ensure access to the best policies.

2. Not Updating Policies Often Enough

Accidents aren’t the only thing that can affect your auto insurance policy. Changes to your lifestyle or general life situation – like buying a home, having a child, or getting married – can, too. This often also works out in your favor, so always report life changes to your carrier as soon as they happen.

3. Improperly Assessing Insurance Needs

Every driver is different regarding what they need in an auto insurance policy, so it’s crucial to make sure you’re thoroughly evaluating yours before settling on a particular option. Commonly overlooked circumstances include the driving records of any family members, potential choices in future vehicles, etc.

Ultimately, the right auto insurance policy is a must if you’re serious about appropriately protecting yourself, and the right insurance agency can help adequately assess your options.

If you’re located in or near Chandler, AZ, we at San Marcos Insurance Group would be proud and pleased to help you choose the ideal auto insurance policy for your household. Get in touch today for more information!

How Commercial Insurance Helps Mitigate Risk

If you’re in Chandler, AZ, and looking for ways to protect your business from financial risk, San Marcos Insurance Group can help. Commercial insurance is a great way to mitigate the potential risks of owning and operating a business. Commercial insurance can help businesses remain secure and profitable by providing coverage for potential losses and liabilities. If you want to learn more about the benefits of investing in commercial insurance, you’ve come to the right place.

What is Commercial Insurance?

Commercial insurance is a type of policy that provides financial protection for businesses, organizations, and non-profits. It helps to protect against potential losses from uncertain events such as fire, theft, lawsuits, or other unexpected losses. Commercial insurance can help you protect your business assets, cover the costs associated with legal liabilities and provide peace of mind in an unforeseen event.

How Does Commercial Insurance Help Alleviate Risk?

Commercial insurance can help your business manage potential risk in several ways. It can protect against property damage, liability claims, and lost income due to an unexpected event. By providing coverage for the costs associated with these risks, commercial insurance helps businesses manage any harm done by unforeseen events.

Contact San Marcos Insurance Group Today

You don’t have to face the risks of running a business alone. With commercial insurance, you can trust that your assets and operations are adequately protected. San Marcos Insurance Group serves Chandler, AZ, providing comprehensive coverage tailored to meet the needs of your business. Our team of agents is here to help guide you in finding the right plan for your company so that you can have peace of mind. Contact us today to learn more about our commercial insurance plans.

Can You Still Get Health Insurance if You Smoke?

If you are a smoker or tobacco user in Chandler, AZ, you may wonder whether you can still get health insurance coverage. The answer is yes; however, it depends on the type of health insurance plan you are looking for and the carrier from which you purchase the plan. Read on for advice from San Marcos Insurance Group.

Finding Health Insurance as a Smoker 

If you’re a smoker or tobacco user and you’re looking for an individual health insurance plan in Chandler, there are several options available to you. Most carriers will allow smokers and tobacco users to apply for their plans; however, they may have to pay higher premiums than non-smoking applicants. Some carriers will even offer discounts or incentives to those who quit smoking while on their health plan. 

It’s important to note that group health plans don’t typically consider smoking status when determining eligibility or premiums. This means that all employees in a group plan—whether they smoke or not—will normally pay the same rate for their coverage. 

Finding Affordable Healthcare Coverage 

No matter your smoking status, shopping around for the best possible rates on your healthcare coverage is important. Many carriers offer plans in the Chandler area, and it pays to compare prices and benefits among them before deciding which one is right for you. 

In summary, smokers and tobacco users can still obtain healthcare coverage in Chandler, AZ. However, you should be prepared to pay higher premiums than non-smokers depending on the type of plan they select and the carrier from which they purchase it. Contact San Marcos Insurance Group so that we can help you find the right health insurance policy for your needs.

How to Get Auto Insurance With a Suspended License in Chandler, AZ

You may think you are out of luck if your driver’s license is suspended and you need auto insurance in Chandler, AZ. However, there are a few steps you can take to get the coverage you need. In this blog post, San Marcos Insurance Group gives an overview of what to do if your driver’s license is suspended and you require auto insurance in Chandler, AZ. 

Getting Auto Insurance with a Suspended License

If your license is suspended, it does not mean that you cannot get auto insurance in Chandler, AZ—it just means that finding coverage will be more challenging. Some insurers will refuse to provide coverage for drivers with suspended licenses, so the best thing to do is shop around for an insurer who will accept your application. Some insurers specialize in providing coverage for high-risk drivers and may be willing to give you coverage even if your license has been suspended. 

It is important to note that while some insurers may accept applications from drivers with suspensions, they will typically charge higher premiums since they are considered high-risk drivers. Additionally, most insurers will require proof that your license has been reinstated before they can provide coverage, so check with them before signing up for any policy. If all else fails, you could consider getting non-owner car insurance which provides basic liability protection without requiring a valid driver’s license.             

If your driver’s license has been suspended in Chandler, AZ, due to unpaid tickets or other violations, don’t despair. There are still options available, even though it might be more complicated than usual due to the circumstances surrounding your suspension. Contact San Marcos Insurance Group, and we can help you.